Security Guidelines

Security Guidelines

Lombard Bank Internet Banking Services are simple, convenient and safe to use. You, as our customer and user of the system, play a very important role in ensuring that the Internet Banking system remains safe and secure. To ensure the maximum level of security possible, you can do your part by observing some simple rules.

Care when Logging In

You should always log in to Lombard Internet Banking services by clicking the LOGIN icon on our website at www.lombardmalta.com. Never log in from links in other websites or links in emails that you receive.

Do not use the Internet Banking Service on publicly accessible computers, such as those found in hotels, as there is no way for you to know whether the computer that you are using is secure enough. Be aware that some computers used in public are not properly protected against malware and there is no way for you to know this. Such malware is capable of recording information from your Internet Banking session without your knowledge, and this information will then be used fraudulently to gain access to your accounts online.

We recommend that you do not use public Wi-Fi (wireless connections) networks (e.g., in airports, hotels etc.) as these may be vulnerable to malicious attacks. Also, before using any Wi-Fi to access Lombard Internet Banking Service ensure that you have adequate security on your computer or mobile device. Your personal data and login information may be compromised unless adequate safeguards are in place.

You should gain access to Lombard Internet Banking Services using Microsoft Edge, Firefox or Google Chrome. Please make sure you update your browser to the latest available version.

How to Confirm You Are on Our Official Website

To ensure you are securely accessing Lombard Bank’s Internet Banking services, follow these steps:

Check the Website Address
Confirm that the URL begins with https:// and that the domain is spelled exactly as www.lombardmalta.com.
Check for a Secure Connection
In modern browsers like Chrome and Edge, click the icon next to the address bar. It should state "Connection is secure". This confirms that a valid security certificate is in place. If your browser shows a warning or indicates that the connection is not secure, do not continue.
Avoid Phishing Links
Do not access Internet Banking through links in unexpected emails or messages. Always type www.lombardmalta.com directly into your browser.
Verify Contact Information
Make sure the contact details on the website match those provided in our official communications.
Report Suspicious Activity on Our Website
If you see anything unusual while using our website, such as a different domain name, browser warning, or unfamiliar login screen, contact us immediately using our official contact channels.

You must NOT use the Lombard Internet Banking Service in a manner that would: deny the use of the service to others, deny the use of any other Bank computer system to others; aid the unauthorised access to Lombard Internet Banking Service or any other Lombard computer system.

Malware Protection

Malware refers to malicious software designed to harm or exploit your device and personal data. This includes viruses, ransomware, spyware, and Trojan horses often operating silently in the background.

To reduce the risk of infection:

Be cautious with emails, especially those from unknown senders. Do not open unexpected attachments or click on suspicious links.
Never click on links claiming to lead to the Lombard Internet Banking login page. Always access it by typing www.lombardmalta.com directly into your browser.
Use up-to-date security software with real-time protection and automatic updates.
Avoid visiting untrusted websites, as some may attempt to install malware without your knowledge.
When in doubt, delete suspicious emails and avoid interacting with them.

In order to minimise the risks from malware a suitable auto-update anti-virus and anti-spyware should be installed on the system you are using to connect to the Internet Banking Services. You should always be very cautious when surfing the Internet. Some malware can infect your system from the web sites that you visit.

Accessing the Internet Banking Service

To access the Lombard Internet Banking Service, you need to enter your personal Login ID, and a Security Code generated by your security token. The Security Code is a one-time code that is valid for a short period of time. The security token generating the Security Code may be either a hardware token (device provided by the Bank) or a software token (an app downloaded on your mobile phone from Google Play Store or iOS App Store). Only one token may be used to access the Lombard Internet Banking Service - you will therefore need to opt for either the hardware or the software token.

Hardware Token:

The hardware token is a handheld device and will be inactive at first; it becomes active after you insert your first PIN code as detailed in the respective instruction booklet. Choose a PIN code that is not easily guessed or identified. The PIN code must be entered every time you switch on your Token. Following that, the Token will generate a 6-digit Security Code which you will need to enter at login stage after you key in your Login ID.

Software Token:

A software token is for use on an Android or iOS mobile device. The software token will become active once you download the Lombard Mobile Token app from Google Play Store or iOS App Store on the mobile phone registered at time of application. You will need to follow the instruction booklet to generate the 6-digit Security Code which you will need to enter at the login stage after you key in your login ID.

The Bank will never contact you to ask you for Login ID and/or PIN code and you must always ignore any emails or phone calls from any person or entity asking for your Login ID and/or PIN code. It is suggested that you periodically change your PIN code, especially if you suspect that someone may have knowledge of it.

It is also important that you:

NEVER record your Login ID number and PIN Code in a manner which makes it easy for any third party to use together with your hardware or software token.
NEVER inform anyone of your codes or allow anyone to find out what your codes are.
NEVER let anyone see you entering the codes at any time; you must ensure therefore that there are no security cameras, mirrors or any other means that could observe entry of the codes.
NEVER leave behind any item that could reveal your codes after you conclude a session on Internet Banking.
NEVER open another website and/or access your email when you are using the Internet Banking services.

If you become aware that your hardware token or mobile phone registered for use with the Lombard Mobile Token app has been lost, stolen or mislaid, or if you have forgotten your Login ID or you need to reactivate your PIN code on your mobile, please call your branch immediately or contact our Customer Support Services on +356 2558 1789.

Last Time Visit

As soon as you log in to Internet Banking Services, you will find the date and time of your last login and the number of failed login attempts, if any. You should check that this information tallies with your own actions on the system.

Logout

Always click ‘Logout’ when you’ve finished using Internet Banking services, and always close your browser. Never leave your session unattended, as this will prevent others from gaining access to your accounts online.

System Security

It is your responsibility to ensure that the device used for Internet Banking is secure. To help protect your information:

Keep your operating system and apps (especially your browser and security software) up to date.
Only install software from trusted sources such as official app stores or vendor websites.
Use reputable security software with real-time protection and automatic updates enabled.
Ensure your device’s built-in firewall is turned on.
Always log out after using Internet Banking and avoid accessing it from public or shared computers.
Check our website periodically for important security notices.

Accounts and Bank Statements

Check your accounts and bank statements regularly to ensure that all transactions have been authorised by you and that there are no unexplained transactions.